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A short course of lectures
«The handy investing answer book»

How else might I find out if a company offers shares to the public for purchase?What percentage of card holders are more than 60 days delinquent on their credit cards?What other subdivisions of mutual funds exist?How much credit card debt exists in the United States?How do I compare expenses of mutual funds?What percentage of 401 (k) assets are in mutual funds?What if I don't want to tie up my child's educational savings in the stock market?When discussing real estate returns, what is a "cap rate"?What is a "stock market"?What is the distinction between the different loan periods?How do I rebuild my credit history after filing for bankruptcy?How long should I hold an investment?Can banks sell stocks and mutual funds?Why do experts at JPMorgan Chase feel that art as an investment may offer good, uncorrelated returns over a long term?What are some key metrics that a small business owner should analyze to grow his business?Why am I so important when it comes to investing success?INDIVIDUAL STOCKS: THE BASICS What about corporate governance issues? What role do they play in socially responsible investing?How long does it take for a home to be foreclosed?Are corporate bonds risky?How fast is online banking growing?How has the age of retirement changed over time?Why do we use the term "life stage investing"?What is Upper?What is one of the most important lessons I need to teach my children for them to incorporate investing ideas into their own lives?What is the hidden cost of debt to an individual investor?How do I decide which funds to choose?But what happens if I make a withdrawal from my retirement plan before I reach age S9VP.What about all the foreclosed houses flooding the market?What does the term "irrevocable" mean?What IRS form do I use to report dividend income from my investments?What if a house doesn't appraise out?FUTURES AND OPTIONS How can I use this information when purchasing a home?Is purchasing an insurance policy ever a good investment?How sizable an effect does commercial real estate development have on the U.S. economy?What are some of the biggest mistakes individual investors make?What is the frequency of 401 (k) distributions?What are the main markets that make up our economic system?Why do bear markets happen?How can I compare the interest rates of different banks?What is the S&P/Case-Shiller Home Price Index?Why is Return on Investment an essential measurement standard for businesses?MORTGAGESWhat are seven factors to consider before investing?What is a hidden cost involved in second home ownership?What is a "Chartered Investment Counselor" (CIC)?What percentage of workers earn retirement benefits at work?What is an "initial public offering" (IPO)?Why is affordability important when it comes to selecting a home?What types of loans does the SBA offer?What is a "Debt-to-Equity Ratio"?What is an "expense ratio"?What are some important points to know when I invest in stocks?Which states lead the nation in mortgage-related fraud?Where can I find information to help me compute EBITDA?Why is there a difference in price from the time that I want to buy or sell a stock and the time that I actually buy or sell that stock?What does my house insurance policy cover?How many different financial planning certifications exist?What is the midpoint, or median net worth, of families in America?Why are home equity loans desirable to homeowners?How many different types of IRAs exist?What types of specific regulations guide the establishment of a money market fund?Even given the many choices of online brokerages, how do we decide which firm is best to use?What is an "institutional investor"?CORPORATE BONDS What is "staging"?What is a "home equity conversion mortgage"?How can I find out if I am dealing with a legitimate insurance company?What are some influential stocks used as components of many ETFs?How many financial planners are there in the United States?LONG-/SHORT-TERM CAPITAL GAINS/LOSSESHow do mutual funds provide for diversification?What should I do if my broker suggests an exotic investment?What do people do with their IRAs after they retire, when they begin to access their holdings?Can you invest in bonds through mutual funds?What types of factors do investors normally consider when trying to choose between tax-exempt and taxable investments?According to the Visa International Financial Literacy Barometer 2012 survey how do Americans rank when it comes to financial literacy?What are a few examples of coins as investment vehicles?In the most simplistic terms, what is the proper allocation for my retirement portfolio?Will my money always be protected by the FDIC up to 0,000?What are the steps involved to get a mortgage?In what other places is the demand for gold high?What is a participant-directed 401 (k) plan?How do I use beta to analyze an investment choice?What types of factors affect my ability to execute a trade when I want?What is an "interest rate"?Why would I need business insurance?How do professional investors feel about risk?SAVING FOR RETIREMENTHow can I use ROI techniques to analyze a small company's social media campaigns?What if my potential financial planner will not work with me because my portfolio is too small?Why is knowing my net worth important to attain my financial goals?What state has the highest sales tax?What doesn't the FDIC insure?What does the phrase "past performance is no indication of future performance" mean?What is another way to encourage children to save money?What are "certificates of deposit"?Why is time so important in investing?How many households own IRAs?What are some other key considerations when deciding in which mutual fund I should invest?How do I realize any gains on my investment in a second home?What kind of actions has FINRA taken to protect the investment community?Which states have flat-rate income taxes?How do small businesses finance their operations?What percentage of banks offer mutual funds to their customers?What are "loaded funds"?What else affects the price of a stock?What is a "reverse stock split"?What types of programs are available to help fund my child's education?INFLATION AND THE CONSUMER PRICE INDEXWhy will capital markets continue to need both short- and long-term capital?What are some disadvantages to investing in a single-family house for rental purposes?Why is it important to pick the right agent to sell your house?Does my tolerance to risk depend on my age or stage in life?Should I ever buy CDs from a broker?Why are indexes important to investors, even if we do not invest directly in them?What are some reasons not to invest in an index fund?How do respondents describe the state of being wealthy?What is the maximum I can claim in a year as a capital loss?What other types of macroeconomic variables might a potential investor use to evaluate the success of a downtown Los Angeles real estate development, such as the example above?How do start-up businesses engaged in franchise activities use credit?What is "principal"?How expensive is renters' insurance?Who picks which stocks are components of the Dow?INVESTING RESOURCESWhat do companies do with the money they make from selling bonds?What are "cash flows"?Why is understanding financial metrics, and corrections made as a result of understanding these metrics, important to successfully manage or invest in a small business?What is a "level load"?What is a "Price-to-Book Ratio"?How many countries have stock markets?What is a "hedge fund"?What are typical tax-cost ratios for mutual funds?Why do people buy or collect art?What is a "budget"?What are some risks associated with corporate bond investments?What are some limitations to ROI analysis?Why is it important to have a thoughtful exit strategy before I invest in a small company?How large an effect do small businesses have on borrowing in the United States?What is an "inspection"?How many types of Stafford Loans exist?What is "term life insurance"?Why use credit cards?Why do some experts believe the individual investor should avoid investing in individual stocks and mutual funds, and should rather invest in indexes such as the S&P 500?What does "pre-tax dollars" mean?Should I actually purchase the shares of these companies, or just monitor the prices of the shares, and show these price movements hypothetically?How do companies use the proceeds of a stock issue?What is a "custodial account"?FEDERAL TAXESHow large is the IPO market at the NYSE?What are the next steps to increase my available funds so that I may invest?Who are the financial information seekers online?Can I ask the potential planner if he or his firm has ever been involved in any litigation or disciplinary action?How many people use the Internet to find economic or financial information?How much money is invested in IRAs?How does technical analysis work?What other costs should I include when computing my return on an investment?What is an "option"?What are some other hidden costs to art or antique collecting and ownership?Why do stocks and mutual funds have different betas?What is a front-end ratio?THE BASICSWhat is a "long-term capital gain"?What are the top complaints individual investors make to the SEC?What is a "Federal Work-Study grant"?Does commercial real estate fall into many sub-categories?Why do some people favor term life insurance policies?How much personal wealth was lost during the Crash of 2008?Do tax-exempt investments pay more or less interest than taxable investments?If you buy bonds through a broker, is there a commission?What influences my ability to save?Why is it important to use allowances to teach older kids proper financial management?What happens with my taxes if I fail to report foreign financial assets?What is "volatility"?What duration of time defines a bear market?How do employers react to rate increases by medical insurance companies?What are some important IRS forms that I should know when I am managing the tax implications of my investments?What is a "limit order"?HOME OWNERSHIP AS AN INVESTMENTWhen do I pay my property taxes?How does a lender know the value of a house, if it is not for sale?How can I find out how much house I can afford?How many individual investors exist in the United States?What percentage of Americans are covered by some type of life insurance?How much real estate value disappeared during the decline of 2006 to 2010?What is a "price/earnings to growth ratio"?What is a loan-to-value ratio?What are "growth stocks"?What percentage of small businesses are ultimately approved for a loan either to start or manage them?When looking at comparisons of mutual funds, what is "performance"?How do I calculate my return on investment for real estate transactions?How many homes are in foreclosure in the United States?How many complaints does the SEC receive each year?According to the IRS, what is a "capital asset"?How much did developers pay for six parking lots in downtown Los Angeles in a recent commercial real estate deal?What are "cyclical stocks"?What does the American Institute of Certified Public Accountants (AICPA) feel is the most important step that parents should take to help their children to understand investing?Why should I consider using a moderate portfolio allocation for my retirement investments?What is a 401 (k) plan?How often do parents engage their children in discussing financial matters, such as saving and spending?Why pay off the balance each month?How much money may I borrow under the Stafford Loan Program?How does tenants' insurance work?What percentage of mutual fund assets are typically invested in cash by American families?What is "return on investment"?What is the Conference Board, and why is it so important to the understanding of financial markets?What are typical expense ratios of mutual funds?What is an "overdraft"?What affects the price of gold?What are some basic assumptions employed when using fundamental analysis?How does the employment rate contribute to inflationary pressure?How many U.S. households have credit cards?THE BASICS What do experts at Kiplinger's say is the best approach to teach children about investing?Where is platinum used, besides in making jewelry?Why should I use a fee-only financial planner?What is "timing the market"?How do I purchase shares in an ETF?What is a "coupon payment"?What types of mutual funds exist?How does the IRS define the length of time that I hold assets or the age of my assets?What if the municipal bond issuer defaults on the bond?According to FINRA, what types of conduct within the securities industry are unacceptable?What percentage of high-net-worth individuals invest in fine collectible art?SOCIALLY RESPONSIBLE INVESTMENTS (SRIs)What percentage of our IRAs are invested in mutual funds?What are "blended funds"?What is an "individual investor"?Can I deduct expenses related to my investment income?How much money does the IRS figure it loses each year because of incorrect filings of deductions and expenses related to small businesses that are, in fact, only hobbies?Can anyone advise me on trading commodity futures?What is a "depressed" or "down" real estate market?How much money does the typical investor in today's market have in his mutual fund accounts?How will mutual fund companies cut costs, in order to compete with ETFs and offer more lower-cost investment products?What is the first question the 1RS wants to know if I am interested in starting a business?EXCHANGE-TRADED FUNDS What happens to the expense ratio if a mutual fund is small or new?What is "gearing," or "leverage"?How do we make children's savings goals easier to understand?How do parents use allowances for their children?What is a "mutual fund"?What are some trends that indicate a changing international landscape for investors?What is a "commodity future"?TEACHING CHILDREN ABOUT INVESTINGWhat is a "Federal Pell Grant"?How do I open an online account?THE BASICSCan you buy too much insurance?Do life cycle funds deliver appropriate returns to investors who are trying to invest for their retirement?What are some other important areas of commercial real estate development?How many states impose a state tax on capital gains?What does FINRA recommend that I do in order to begin investing?What is the average amount of credit card debt for a typical American family?What are some considerations I should think about before investing in real estate?What is another popular approach to investing?SAVING FOR EDUCATION How much may an employee contribute to a Simple IRA?Can I automatically invest in U.S. Savings Bonds using my IRS tax refund?Are there certain investments that provide tax exemptions on gains at the state level?What are tax-free or tax-exempt bonds?BUDGETING What is a "Certified Financial Planner" (CFP)?How many Americans invest in REITs?How long must I pay for mortgage insurance with an FHA loan?What is another important point to teach children so they may begin to understand some basic principles of investing?Why are index funds attractive to many investors?What is the difference between fees charged by credit unions and fees charged by banks?What effect did the 2013 government shutdown have on the U.S. economy?What is a "closed mutual fund"?How do investors profit from owning shares in a REIT?What are some strategies to help me save money?How much income do I really need for my retirement?INSURANCE AS AN INVESTMENT What is a "secured bond"?What are some common mistakes investors make when thinking of buying stocks?What does the saying "If it sounds too good to be true, it probably is" mean?Why are front- and back-end ratios important?How do I know if a prospective online bank is legitimate?Is my money protected the same way in an online bank as in a traditional bank?What is a "correction"?What is a "Certified Fund Specialist" (CFS)?What is the Dow Jones Industrial Average (the"Dow"or"DJIA")?What does insider trading tell me as an investor?After I have identified the names of the companies my child might be interested in acquiring, what is the next step?What is the biggest change with regard to paying taxes when I enter retirement?Should I ask the potential financial planner what services he offers?What about sector/specialty funds?How important is the place where you live influencing your perception of wealth?Why is "inflation risk" bad for my portfolio?When must I repay school loans?What are "tangible assets"?What questions should I ask myself before I invest in real estate?What are general guidelines for down payments?OWNING VERSUS RENTINGWhat about other sources for small business loans?What is a "closed-ended mutual fund"?Must I have personal financial software in order to be successful at managing my financial goals?What are some of the most important investment types?Why do ETFs experience volatility in prices and liquidity?How is the FDIC funded?How can I calculate how much credit card debt I can afford?What is "mortgage fraud"?What is a "portfolio"?Should I ever borrow from my 401 (k)?What is my risk when investing in commercial real estate?RENTERS' INSURANCEHow does the movement of prices in stocks that compose the Dow Jones Industrial Average indicate movement in the price of my stock?If I am self-employed, is there a similar program to save for retirement?What are some differences between investing in a rental home and investing in a rental apartment complex?How much total debt should I have?What percentage of employees who learn of their employer's matching program actually direct enough money into their 401 (k)s to obtain the matching funds?Why use a credit union?Why do investment experts at JPMorgan Chase say that investing in art is considered an "investment in passion"?How old are people who typically start technology-related companies?What are some future trends that we can see in the mutual fund business?How much debt can I afford?Why should I avoid investments with "guaranteed returns"?How many credit cards exist in the United States?Do all states have sales taxes?What types of events may qualify as "immediate and heavy financial needs"?What types of risks could I see if I own individual stocks?Isn't my money still at risk if it is invested in cash?Why is diversification necessary?How do I compare the yields of tax-exempt investments and their taxable investment equivalents?When did mutual funds start?What is an "IRA"?Who uses FHA mortgages?What is the "beta" of a stock or mutual fund?What does "living within your means" mean?Why else are the NAPFA standards so high?What is a trend in the use of social networking in the individual investing industry?INVESTING IN A SMALL BUSINESSWhat are the different distinctions between stockbrokers?How are hedge funds different from other types of mutual funds?After a market correction, what attitudes of individual investors seem to be apparent?What is a cash-on-cash return, and why is it so important?CERTIFICATES OF DEPOSIT (CDs) What is the general rule for obtaining a home loan?What are some of the other key indexes in which to invest?What makes 401 (k)s great?Does a stockbroker make money on the stocks he directs me to buy?Are there other "rent versus own" tools or calculators available online that may assist me in making these types of analyses?If the bonds I hold are in default because of the issuer's bankruptcy, might I still be able to retrieve my principal?What tax advantages does home ownership provide?Are questionnaires available that may help people evaluate their tolerance for risk?(k)sHow else do small business owners mistakenly use ROI analysis?How do I easily calculate return on investment?Can I be overinsured on my homeowners' policy?How do I know how much to put down on a house?How might I attribute costs associated with social media campaigns?Are declines in prices also bad?Why is longevity risk an important consideration when I consider the asset allocation of my retirement portfolio?Why is it good to be an institutional investor?What is the "spot value"?Why do I need professional guidance when exploring exotic investments such as virtual currency, derivatives, and credit swaps?How has the Bureau of Labor Statistics revised its calculations, given the changes in methodology, to arrive at the CPI figures we see today?What financial topics are older children most interested in discussing with their parents?What is a sole proprietorship?What are "unit investment trusts"?Even before I establish goals, what are some things that experts believe help prepare me financially for successful investing?What is the median age of the owner of mutual fund shares?How are Series EE Savings Bonds different from Series I Savings Bonds?What is "concentration"?At different ages, what should I do to help fund my retirement and other savings goals, such as acquiring my first house, car, etc.?Must I pay taxes on my investments held within my 401 (k) or retirement plan?What percentage of American households lack an emergency fund with enough cash to cover three months of living expenses?What is an "Education IRA"?What is "real estate development"?When must I begin to withdraw money from my 401 (k)?Where can I purchase insurance for my home-based business?Where did the term "blue chip stock" originate?How many people have money saved in credit unions? Eighty-two million people regularly use credit unions to save.How do companies use private equity investments to improve their financial picture?What is "life insurance"?What is the best order of priority to pay off credit card debt?What is a "virtual bank"?What percentage of Americans do not have enough money saved for even six months of living expenses?What about high-income taxpayers who earn short- or long-term capital gains? Are there additional considerations?How does the financial aid actually come to me?What if I have had some unusual expenses that make my ability to pay for my child's education more difficult?REAL ESTATEWhat are the different categories of the term or maturity of bonds?What are the most popular sources of financial information?If I am applying to different schools, must I submit a separate FAFSA application to each one?What types of deductions will the IRS not allow on IRS Form 1040, Schedule A?How do I open an online investment account?Why should I use a financial planner?When can my child have access to his UTMA account?How does a prepaid tuition plan work?What percentage of employed consumers own some form of disability insurance?How many people overdraw their accounts?Which colleges and universities use the FAFSA application to help finance a college or university experience?What is a very important consideration when thinking about investing?What are the interest rates for these subsidized and unsubsidized loans?At what age do people typically purchase life insurance?What other risks are inherent to individual stock or mutual fund investing?How much money is managed by mutual funds?What are "no-load mutual funds"?What other types of mutual funds exist?If bonds can be so speculative, how can bond markets and bond buyers know the worthiness of their investment?What are some warning signs that my debt may be a problem?BETAHow important are property taxes in deciding to purchase a home?Can I deduct expenses to offset taxes if I own my own company?STATE TAXESHow do I determine what component or functional area of my business affects the drivers the most?After the stock market turmoil of 2008 to 2009, what did one of the largest mutual fund companies in the world, Vanguard, find in its survey of over 3,000 U.S investors, age 21 to 79?What are some key steps to take in creating my business, after I consider the information above?What types of questions should I ask myself in order to determine how much of my portfolio I should allocate to equities?After a child has mastered the concept of saving to meet financial goals, what else can I do to educate my child on the value of investing?What is the second most important step to getting out of debt?What is the cost method of calculating ROI on a real estate transaction?Which states' residents create the most capital gains from their investments?What are two main concerns that investors must consider before investing in any real estate deal?If I am thinking of buying a house in a certain city, how can I find information about my target city online?Why would a municipality default on its loans?What might affect future growth rates in a company's earnings?INTEREST RATES REAL ESTATE INVESTMENT TRUSTS (REITs)What is the main purpose of using ROI calculations or techniques?What is a conflict of interest in financial planning?On average, how much money do new companies require to start their operations and activities?What if I outlive the term of my term policy?What are "socially responsible investments"?What are some other considerations when I try to identify individual equity target companies?What must I consider before investing?How does the Internet contribute to the prevalence of fraud within the investment community?What is the maximum amount I may contribute each year into a 401 (k) plan?What is the biggest difference between a prepaid tuition plan and a college savings plan?What is "risk"?What is the difference between "investing" and "speculating"?How do I know if a potential investment is fraudulent?How much equity may a homeowner pull out in a reverse mortgage?What is a "home equity loan"?What are "intangible assets"?What percentage of online economic users use the Internet to find information on their homes' value?What about cash flow and real estate deals?Do I have to pay special capital gains taxes at the state level when I file my state income taxes?How much money have credit unions lent to members in 2013?How often should I check or analyze my portfolio to make sure it is properly allocated?What is the "spot market"?How many states increased their taxes from 2009 to 2010?What about the financial planner's approach? Should it be aggressive or conservative?Can I learn anything from visiting the websites of the stock exchanges themselves?What are some further steps we must take in order to establish investment goals?What is the percentage of households that owned their own homes?Why are these indicators so important to the general understanding of financial markets?How long have ETFs been available to investors?What is the difference between stockbrokers, accountants, and insurance brokers?What is a "cost basis"?How does credit card debt affect older Americans?What steps can I take to increase my available funds so that I may invest?Why do so many older Americans start businesses?INDEX FUNDSWhat are "hardship distributions"?FINANCIAL PLANNERS INVESTING FOR RETIREMENT How do I begin to set my investment goals?What is "dollar cost averaging"?What else can we see from these two groups of investors?Under what circumstances might I pay more in management fees or loads, instead of targeting lower-expense funds?What about mutual funds?What about photographs and personal art?Is my money safe in a credit union?What percentage of renters are uninsured?What is the difference between "actual cash value" and "replacement cost coverage" in my renters' insurance policy quote?What are some interesting websites that parents may use to help educate their children about financial literacy?What affects bond prices?What is "shadow inventory"?What is "campus-based aid"?How substantial is the difference between interest rates for loans and savings accounts at credit unions compared with interest rates for loans and savings accounts at banks?Can I deduct capital losses?What is an "appraisal"?How do I calculate a risk/reward ratio?Which performs better, stocks or bonds?HOME EQUITY What other considerations exist when attempting to choose the right mutual fund?What percentage of closed-ended funds actually trade at a discount to their net asset value?What states have laws that allow cities to impose an income tax?When did The Wall Street Journal begin to publish a Dow Jones Industrial Average?In what other interesting types of commercial real estate might a REIT invest?What are some important economic concepts that may affect bonds and stock prices at the macroeconomic level?Why is EBITDA sometimes perceived as an unreliable metric to evaluate a company?When I buy an equity position in a company, what exactly am I buying?What happens if the university runs out of campus-based aid funds?How do REITs generate their stated returns?How do I begin setting up a brokerage account?What is my "net worth"?What is another big assumption the IRS makes when determining whether to allow certain business-related expenses and deductions?How do I generally decide on what issues to focus when managing a small business?What is "unsystematic risk"?What are typical cash outflows in a commercial real estate investment?How can I check the disciplinary history of a potential financial adviser?What is "product liability insurance"?What else is private equity?What are some examples of renting costs that I should anticipate?What percentage of people think "financial advisers" employed at a brokerage firm to sell are held to a fiduciary standard?What is "zero-based" budgeting?How much money is currently under management by investment companies?What is a "flexible spending account"?How much may I borrow under the Federal Perkins Loan program?How important is it to have a goal in mind when I decide to create an expense budget?What is the difference between a Roth IRA and a Roth 401 (k)?Why do people spend down their savings?What is the "USSIF"?Are municipal bonds a safe form of investing?What is the average five-year cumulative default rate for investment-grade municipal bonds?How active are Americans in using the Web to find financial and economic information?What drives the trends in commodity prices?What are some fraudulent websites that purport to trade in futures and options?Why are people afraid to invest?Why is this a good time to consider investing in real estate?How do different sectors or genres of the art world perform as investments?ASSESSING DEFAULT RISK ON BONDS What are some of the most important things you can do to prepare your home for sale?Why do account holders put their accounts in overdraft situations?Does access to so much information come at another hidden price?NO-LOAD AND LOADED MUTUAL FUNDSWhat federal tax form must I use to claim state income tax deductions?Are there any deductions I may take that help me with my yearly state income taxes?RETURN ON INVESTMENT (ROI)How is beta analysis misused or misinterpreted?How well has the Dow performed since it began?How can I get out of debt?Does it matter to lenders how large a down payment I will require?What is a "C" Corporation?What is "systematic risk"?What are some examples of typical investments that may yield capital gains and/or losses?Who uses the CPI?What does FINRA do?SECOND HOMES What percentage of online economic users receive alerts or feeds about news and information pertaining to their investments?What percentage of parents never discuss financial matters with their kids?Who guarantees these short-term loans?How do I know which bond investments are riskier than others?Should I pay down my debts before I apply for a mortgage?What does it mean to be "preapproved" for a loan?Using principles of behavioral economics, how do men and women differ when it comes to investing?What is the most widely used legal form of corporate organization for firms that employ people?What effect do the unemployed have on the self-employed?What is "investment fraud"?What is the future of investment advice?Why else should I use a human broker instead of an online broker?How much real estate do REITs control today?What are some downsides to investing in commercial real estate, especially urban development projects?How many credit unions are in the United States?What is a basic assumption of life stage investing?Under what circumstance could I pay more than a 20% capital gains tax?What are additional steps that I can take?.What if my bank doesn't allow accounts for kids?What are some important steps to take when considering investing in a closed-ended fund?Do I have to select a 529 Plan in the state in which I live?What other insights does the Vanguard study show about investor attitudes?What are "money market funds"?What happens when the Federal Reserve changes the interest rate it charges to member institutions?What are some creative ways in which parents may use allowances to educate their children on financial matters?What does the FAFSA application cover?How does the performance of collectible art compare to other investments over time?How many times has the list of Dow companies changed since its inception?How can I misinterpret an indicator?Why is it important to teach children about risk and reward when they begin to learn about investing?What is a "college savings plan"?What is a "credit union"?What is an "S" corporation?How many entrepreneurs exist in the United States?If I walk away from the deal before closing on a house, won't I be penalized?What is the Standard & Poor's Indices Versus Active (SPIVA) funds scorecard?Why is a Form ADV important?What happens when a bond issuer defaults on the bond?What other precious metals are used as investments?What is "total return"?When were the first mutual funds started in the United States?What is the survival rate for new companies?IRAsHow are Series EE Savings Bonds similar to Series I Savings Bonds?What is the future of sustainable investing (investing in businesses that take into account social factors, clean energy, and corporate governance)?Why buy mutual funds?How does a valuation multiple help me understand the price paid to acquire a company, or to value a target company?How do I know if I will have enough money saved for my retirement?Do higher rates of returns generally mean that my money may be more at risk?What are some top online stock trading sites?THE FUTURE OF INVESTING What is the difference between a debit card and a credit card?Why is understanding financial markets so important to everyone?What about interest rates and their effect on housing prices?What impact does the Federal Reserve (the "Fed") have on bonds and equity investments?How much must I accumulate in order to be considered wealthy?What is an "LLC"?What are the top financial websites that can help typical individual investors learn more about investing?What is the main purpose of private equity investing?Why is it important for me to set an example for my children about how to value money and investing?How much money is now tied to socially responsible investing?Will a global stock exchange emerge?How do I buy bonds?What else can I learn about the behavior of people who are very near retirement?What are some more typical reasons why small businesses fail?What are some other keys that may assist me in establishing investment goals?What are other names for commercial real estate?Under what circumstances should I decide to leave my financial adviser?What is a "collective investment fund vehicle"?What types of questions might I ask a potential financial planner?What is the Mei Moses Art Index?My financial adviser mentioned that he is a fiduciary. What does this mean?What is an expected family contribution?Can I withdraw money from my 401 (k) before I retire?How does a mutual fund make money?Why would someone want to own a C corporation?What are the most important components to my retirement income that will allow me to enjoy a good retirement?Why use a debt-to-income ratio?What is the SBA CAPIines Program?How are bond prices determined?Why is patience important to successful investing?Where do I report capital gains and losses when I file my taxes?What is a "cash account"?How can I protect my investments before I begin to invest?Why is information overload a huge risk factor when I invest in individual stocks?THE BASICSWhat is an interest-only loan?Why should I get in the habit of paying myself first?HEDGE FUNDS Why do some parents spend more time discussing financial matters with their children?What types of companies issue corporate bonds?How many initial public offerings occur in a year?What are some important questions to ask myself when managing the diversity of my portfolio?Why are reverse mortgages controversial?What other major concern might investors have while investing in socially responsible funds?What are some of the top bond ratings organizations?How well has the second home market performed in recent years?What percentage of people do not invest in their company's 401 (k) program?What is a "deductible"?How do financial planners receive compensation?If I just make more money, would I still have to worry about my personal finances?INVESTING IN CASHINVESTING RISKSWhat does my renters' or condo insurance cover?When did 401 (k) plans start?How do I accurately compare the expenses to rent compared with owning a similar house?INVESTMENT EXPERTSWhat is a "short position"?PRIVATE EQUITYWhat percentage of real estate investment trusts are equity REITs, and what percentage are mortgage REITs?What are the biggest mistakes people make when using an adviser?What is the first step to obtain federal assistance for education?How do I create a goal?What are some important dynamics of investing in a business that every investor should consider before making the investment?Why is the allocation or mix of my investments so important to me as I near retirement?Can adding just a few hundred dollars to my mortgage payment help to reduce my debt?MANAGING DEBT Why can a home equity loan be dangerous for homeowners?What is the theoretical risk-free investment, and why is it so important?What states have the highest rate of foreclosure?What is an "exchange-traded fund"?What is "market risk"?What are some examples of house purchase costs that I should anticipate?What should I do if I wish to invest in an area in which my broker is unfamiliar?How do small businesses use loans to finance their operations?Are municipal bond defaults rising?EXPENSE RATIOSWhy do C corporation shareholders pay double taxes?What is "curb appeal"?What are some other reasons why I should diversify my investment portfolio?Are all government bonds safe?How much did real estate prices decline between 2006 and 2009?What is an interesting strategy when it comes to investing in actively managed funds and passively managed index funds?What is another strategy that a company might employ to make its stock attractive to potential investors and current shareholders?Why is timing my cash inflows and outflows critical to analyzing and ultimately investing in commercial real estate?What does a financial planner do?How might I analyze what I need for my retirement?How many partnerships exist in the United States?What is an example of socially responsible investing having an effect on changing a society?How do real estate agents work?ONLINE TRADING How popular is the use of online banks?How does diversification reduce my risk?What percentage of economic users online use the Internet to find information to protect their personal finances?What is the average amount of student aid that students in undergraduate programs receive?What can I discover from U.S. Census data that supports demand for rental housing?How do closed-ended funds differ from exchange traded funds?Why can a mutual fund provide for more diversity of investments than any one individual investment?Why is real estate investment considered by many a relatively risky investment?What is a "Traditional IRA"?Why are small businesses so important to the U.S. economy?What will the former owner of the company typically do with the cash received from the transaction?How many new businesses are created every month in the United States?How is the Dow important to our understanding of the activity and performance of blue chip stocks?What is the average number of cards owned by each person?Why can acquiring a company be a great investment?How much have overdraft fees been growing over the past few years?Into what three groups can we categorize children who actually own stock?What percentage of a household's financial assets are in the form of mutual funds?If I own a home-based business or a business that requires me to maintain a home office, may I deduct expenses related to this office?How do I determine my tolerance to risk?If I have a much lower interest rate for my old credit card debt, by using the equity I have in my home, what else could be wrong with debt consolidation?How much time is considered to be short-term, near-term, and long-term?Are there any conflicts when it comes to SRI?How important is the DJIA to the investment community?What kind of research do I need to do before investing?How does a company become classified as a real estate investment trust in the United States?What is a "real estate investment trust"?Do brokers know all about the investments they tell me to buy?What percentage of a typical person's retirement plans are in the form of mutual funds?What percentage of all Americans have contributed to content about the recession online?Why is it important to have proper documentation and legal agreement when I invest in a small business?Do I really need a financial adviser?What is the Consumer Price Index (CPI)?What are three common misperceptions about retirement?Why do some investors like EBITDA measurements and comparisons?In what investments do life stage funds typically invest my money?What else should I do if I stay in my home during a down market?How does Forbes characterize the difference between investing and speculation?What are "corporate bonds"?What is a "commodity"?What is the biggest risk in holding cash in the form of a CD?Why do small businesses borrow money?Is an SBA loan a commercial loan?What is the oldest company in the Dow?How important is experience in identifying a financial planner?How is the CPI created?INVESTING AND TAXES SMALL BUSINESS INVESTINGWhat can I do to mitigate this inflationary risk?How do I know the terms and rules for a CD?Who are these business creators?What is the trouble with debt consolidators?Why are companies removed from the list of companies on the Dow?What else does the FDIC do?By 2015, how big will the value of the market for ETFs be?What is the average amount of credit card debt for U.S. card holders?What is "default risk"?What is an adjustable-rate mortgage (ARM)?May I change the name of the beneficiary on a college savings plan account?MANAGING A SMALL BUSINESSWhy are limit orders good to use?What is the relationship between beta and risk/rewards?How can I determine if my financial planner has a criminal history?What about buying houses in "up-and-coming" locations?What does the foreclosure rate mean for American home ownership?Why is it good to be a "silent partner" in a business?SELECTING INDIVIDUAL STOCKSWhat is a rent-to-income ratio?How quickly do people form first impressions?How might I locate the name of a legitimate debt consolidator?Who is buying and selling art?What are the New York Stock Exchange's "circuit breaker" rules?How volatile are the returns generated by art as an investment?What is a "matching program"?What factors should I consider when choosing a broker or firm in which to invest my money?What are the components of the Conference Board's Index of Lagging Indicators?Why are dwelling coverage limits tricky?RETIREMENT TAXES Why do prices of art and antiques vary so widely?What types of risk exist?Where else might I find palladium being used?What must I do in order to live beneath my means?What types of economic indicators help me understand and evaluate local investment opportunities?Is there such a thing as a risk-free mutual fund?If interest rates increase, does this harm bank stocks and financial sector stocks?Does the stock market ever close?Will the financial planner work with me alone, or with a team of other people?What happens when bond yields for short-term maturities are higher than their long- or intermediate-term counterparts?Why are business loans increasing?How important are certifications when it comes to choosing a financial planner?What is The National Association of Personal Financial Advisors (NAPFA), and why is it an important resource when choosing a financial planner?Why are some stocks with low prices specifically removed from the Dow?Why is timing the market controversial?Specifically, what do ticker symbols indicate?How might a small business use ROI analysis for strategic planning purposes?Why should we be positive and neutral, as opposed to negative and emotional, when it comes to speaking about money with our kids?How does creating specific investment goals help me achieve my overall goals?What is "mortgage insurance"?In what types of commercial properties might a REIT invest?What are some general factors that might be interesting to use while I evaluate a stock?What are some of the newest entries in the Dow?What is the main purpose of life stage investments?What is a "bear market"?What is the length of time to maturity of typical municipal bonds?What are typical cash outlays I should consider when owning a second home?What is a "capital loss"?Why bother to teach children about financial matters?What is the earliest age that I should begin to introduce financial concepts to young children?What does the Securities and Exchange Commission recommend investors do when considering investments in mutual funds?What is the first rule of using credit cards?What are some tips experts at Kiplinger's suggest for reinforcing saving concepts with young children?How many U.S. homes received foreclosure filings in 2010?What are some other differences between closed-ended funds and ETFs?When should I rebalance my portfolio?What are some examples of typical cash investments?Why do experts at feel that opening UTMA accounts may not be such a great idea?What does being "long" or "short" in commodity futures trading mean?What is the "KLD 400 Social Index"?Are corrections good for some investors?Why do producers of commodities use futures markets?What is a "Chartered Financial Analyst" (CFA)?What is "private" about private equity investments?What other assumptions does the rent versus own calculator make that we should consider?CREDIT PROBLEMSWhat is "equalized value"?What is the out-of-pocket method to calculate a return on investment in real estate?What is the median number of mutual funds an individual owns?Why do people like online banks?What is the difference between a second home and an investment property?Where can I find information to analyze a potential target company?RISK/REWARD How can I use beta analysis to help in my investment selection?GlossaryWhat are the typical loan maturities for the lines of credit?How much should I save for my retirement?LOCAL TAXES Are small business owners happy with their credit card terms (interest rate, fees, credit limits)?Why do individual investors like to invest in socially responsible forms of investing?How old is the concept of socially responsible investing?What is the "net investment income tax"?What effect does changing the capital gains tax have on our economy?What percentage of the total dollars invested in investment companies are in each type of investment company?What are some important stock market indexes that I should consider when I am investing, and why?Do people spend more money on overdraft fees or vegetables during a year?What is a "key" or "leading&quoquot; economic indicator?How do I begin investing?What is a "bank"?Can I open an online checking account?What are some examples of data I can use from Case-Shiller Indices to understand a potential second home investment?How does a college savings plan work?What is Morningstar?Does the size of the companies that compose a mutual fund portfolio really matter when deciding what type of mutual fund to purchase?In order to understand the price changes of art, why can't we trust historical auction prices for art?When I am young and just beginning my career, what is the most important behavior that will help me when I am older?What are the different ways to invest in gold?In the period 2008-2010, how many funds that SPIVA tracks either liquidated or were merged?What makes REITs desirable investments?How do self-employed business owners pay their income taxes?What is the connection between bond prices generally and the health of the economic system in which I may invest?Which states have the highest income tax rates (based on the highest tax brackets)?Why would I consider a moderately conservative allocation mix in my retirement portfolio?How can I use comps to negotiate a better house price?CLOSED-ENDED MUTUAL FUNDS What are some additional important IRS publications that may help me understand more fully the tax implications of my investments?What are four concepts that will help older kids increase their financial literacy?When it comes to dividends that I may earn, how do I determine what taxes to pay?What is "debt consolidation"?What are some of the most U.S. important markets for futures and options trading?CREATING WEALTHWhat are some good personal finance blogs?What are some other notable dates in NYSE history?What are "Treasury Bills"?Is it easy to get a home equity loan?If the target company has no debt, isn't an investment in equity less risky?What did Jack Bogle, founder of the Vanguard Group, do to save and invest money for his children's college education?How can I save money on my homeowners' insurance?Why is debt management important to an investor?STARTING A BUSINESS How do I know if I am not in control of my finances?What is an "FHA mortgage"?What percentage of people have less than a three-month expense cushion?What types of bonds exist?Isn't it easier for me to just have a financial adviser, so that I don't have to spend time learning about personal finance?When I am considering an investment in an insurance policy, what are three issues with which I should be concerned?What is a "capitalization-weighted" index?How do I begin to select individual stocks?How long does it take to resolve a credit card issue?What is a "style box"?What actions of the Federal Housing Administration (FHA) will affect the housing market in 2014?What are "value funds"?Do I need to file my state income tax each year?What is an investment in a private company's debt?How may I investigate if a firm is legitimate and properly licensed to trade in futures?How many working households have no money saved for retirement?What are some other post-retirement benefits?Why else should I buy a house?What is a "mill levy"?What are some red flags that may warn potential investors of problems when making a private investment?What is a "bond"?BANKS AND CREDIT UNIONS What is a "SEP IRA"?FINANCING SMALL BUSINESSES What factors do I need to contemplate when planning for different stages in my investing life?How many index funds exist?What percentage of undergraduates receive any type of financial aid to attend universities or colleges in America?How and when do I get paid my interest on a certificate of deposit?What is the threshold interest rate that seems to signal a decline in the broad stock market?Who sells art?Why do experts suggest using online investing brokers?How much money flowed into U.S. equity mutual funds and exchange traded funds in 2013?Should I document certain items I would like to have on my homeowners' insurance policy?Will investment banks become deposit banks?What is a "down payment"?What are the three main types of mutual funds?Why do investors like to acquire a company's debt?INSURANCEBONDSWhat is "laddering"?How much should I save for retirement?UNIT INVESTMENT TRUSTS SAVING, MANAGING DEBT, AND BUDGETINGIf I use an adviser, does it mean I don't need to learn about investment options?Why are there fewer potential buyers for houses today?Why are tax-cost ratios important to our understanding of mutual fund expense loads?On average, how long has a company been in business before it issues shares for the first time to the public?What about all my clutter?Why is it important to start teaching kids about financial matters when they are young?What are some problems with money market funds?How is beta calculated?COMMERCIAL REAL ESTATE How should I choose a lender?Why should I save my money?What is an "educational grant"?What other services do banks provide?Are there any income restrictions for a 529 Plan?What are "Small Business Administration loans"?How many individual stocks must I own to have enough diversification against unsystematic risk?What percentage of small businesses in the United States are actually home-based businesses?What different types of money market funds exist?What key factors can make a real estate purchase attractive as an investment?Where do people who do not use banks obtain cash?Is owning a bond like owning a stock?Do I have the right to appeal my city tax assessment?Why do some people prefer to rent rather than own?What if my debt-to-income ratios are higher than average, and a lender still will give me a loan?What is a "stock split"?What was the highest interest rate for U.S.Treasury Bills?How often do sellers reduce their prices?What are some great financial sites that investment insiders use?What are some basic steps that I can design in order to attain my personal financial goals?What is the biggest difference between an S corporation and a C corporation?What is a "margin"?What other factors point to difficulties in the college rental market?How do I attract wealth in my life?Why is it difficult to see the survivability rates for new businesses?What are the important market indexes for mutual funds in which I may invest?What percent of Americans who are saving for retirement do not understand their investment choices?Why is fiduciary responsibility important?Why are yields higher for corporate bonds than for government or municipal bonds?What is "private capital"?What is a "margin account"?What are some of the principal features of online brokerage accounts?Of all small businesses in the United States, how many are owned by women and various minorities?What did experts at BlackRock—the world's largest global asset management company, serving both large institutional investors and individual investors—find in their landmark 2013 study of investor attitudes?What is a "premium"?So wealth creation is really about my thoughts?How do I begin to save for retirement?What is the "Federal Funds Interest Rate"?What percentage of employees know about investing in their 401 (k) program at work?What are some examples of financial goals?What are some basic principles that the CFTC recommends I follow when I am beginning to invest in commodities and futures?What are some other important steps experts also suggest you should consider when planning a real estate investment?So should I steer away from considering commission-based financial planners?What are "stocks"?Why might it be true that as interest rates rise, the stock market may not necessarily fall?How much time do American parents spend discussing financial matters with their children?What must an investor first consider before deciding to invest in a small, privately held company?So how does this understanding translate to their investment behavior?Why is purchasing your employer's stock a risky investment?When did Real Estate Investment Trusts begin?How do companies use an initial public offering to help support their continued growth?How many credit cards should I have?Should I sell my house before getting a loan for my next home purchase?What is a "risk/reward ratio"?What about great deals on newly created subdivisions?What are some important factors when I decide to rent instead of owning my own home?Why do people seek the advice of financial planners?With whom do children prefer to discuss money matters, Mom or Dad?Must the sellers pay capital gains tax to the IRS?What is a "high net worth individual"?What does the phrase "living beneath your means" mean?What other special orders can investors use to help secure a certain price or limit a potential loss?GOLD AND OTHER PRECIOUS METALS What percentage of mutual fund assets is typically invested in each mutual fund category by American families?Why would I consider a conservative approach to my retirement investment portfolio?What is a benefit to me when I retire?Why do mortgage companies, banks, and finance companies require homeowner's insurance?What is another important step in setting my financial goals?How does having and maintaining an expense budget help attain my financial goals?How do I make decisions to buy or sell if I am investing or speculating?What if I have other business loans available, such as a line of credit?What types of macroeconomic variables contributed to the developers' ultimate decision to invest in the project?How does CPI affect the investing community?What does the IRS consider "net investment income"?What types of financial signs should I investigate?What happens if my losses are larger than my gains in any tax year?What is an "asset income multiple"?Which major cities have the highest local taxes on capital gains?Should I consider selling my home during a down market?How do I check the credibility of a debt consolidation company?How much do American credit union members benefit from higher savings interest rates, lower interest rates on loans, and other lower fees?What are some of the greatest declines of the Dow during a bear market?What is the basis of our financial markets?What are a company's "assets"?How low are today's mortgage interest rates?Why is price inflation so harmful to my retirement investments?What is the purpose of a futures exchange market?What are some factors the IRS considers when allowing for certain types of expenses and deductions associated with a business?How can potential investors evaluate risks?Who invests in mutual funds?LIFE STAGE INVESTINGRATINGS COMPANIES What percentage of a typical person's retirement plans is in mutual funds?How do Americans find economic information?What is a "health savings account"?What is "property tax"?What does it cost to attend a degree-granting college or university today?What else is a corporation?What are some macroeconomic factors that might influence the growth of a stock's price?How is CPI data used in our economy?What about my commissions for executed trades? Are they deductible?How many sole proprietorships exist in the United States?What is the maximum amount I am allowed to invest in Series EE or Series I Savings Bonds?Why should we not think about investing only as a subject for adults?Why do investors invest in gold?What are some limiting factors in using risk/reward ratios?Why do we invest in bonds?What percentage of small businesses are home-based businesses?How does fundamental analysis work?Why do people dislike online banks?What states have no sales tax?Why should I care about IPOs?What is a "Roth IRA"?Who are some of the biggest lenders for private equity deals?What has been the average turnover rate of an equity mutual fund?What kind of expenses can I try to reduce before I retire?INDIVIDUAL STOCKSWhy should my goals be easily manageable?What are the statutory amounts?MUNICIPAL BONDS What is a Direct Stafford Loan?What are additional key metrics that require the focus of small business owners and investors?What is "contents insurance"?Is your money safe in bonds?What are some of the pitfalls of buying individual stocks?How does a mutual fund work?What is the next step to teaching a child about money?Why do some people prefer to buy individual stocks, instead of purchasing an index fund or a mutual fund?What other benefits do institutional investors have?What is "online trading," and how does it differ from "day trading"?What are some key methods to evaluate a target company?How much money do banks and credit unions earn from overdraft fees?What are some other benefits to investing locally in a small business?Why create an expense budget?What about the liquidity of a potential real estate deal?Why do companies have a vesting period?What are some early steps I should consider before starting my own business?What is the multiple listing service (MLS)?What tools may investors use to evaluate risks of default?How do I compute the total return?Where is the least expensive place to rent in the United States?What other tips should new real estate investors consider?Why do some experts believe owning a second home may not be a relatively good investment?Why are permanent life insurance policies relatively more expensive?What investments are similar to money market funds?Among people who are retired, what percentage have no money to use for their retirement?Will the growth of ETFs and index funds replace actively managed mutual funds?What are some benefits of investing in multi-family apartments?What do the rankings of online brokerage firms really mean?What is a back-end ratio?What are the largest stock markets in the world?When am I supposed to file Schedule B?Why use a bank?Why use an online bank?What is a "529 Plan"?How do I begin to select individual stocks that would interest a child?What is a yield curve?What is the Uniform Transfers to Minors Act (UTMA)?What percentage of people are not likely to withdraw funds from an IRA before age 70V*?What is a "Price/Earnings" Ratio?What financial goal does the typical investor in mutual funds desire when making an investment?How do I know how much insurance to buy?How does the CFTC protect participants from fraud and abuse?Where is the most expensive place to rent in the United States?What if I want to buy or sell a stock after regular market hours?What is a "Simple IRA"?Who created the DJIA?How does one obtain an SBA loan?What is the biggest component of demand for gold?How much is tuition increasing?What is the opposite of mortality risk?How else do I use the Dow in order to analyze my portfolio?What is a "life stage" or "life cycle" investment?In what investment vehicles do life/health insurance companies readily invest?What if I find a financial planner who says his clients make huge returns on their investments?How do I identify a small company in which to invest?With today's paltry interest rates, will it not be hard for a child to see his money grow, even if he looks at a physical or online statement from a bank?How else do businesses use ROI in their decision-making process?What has been the average annual return of the S&P 500, a good indicator of the performance of listed stocks that frequently make up mutual fund investments?What percentage of all online economic users feel they have learned something about our financial crisis?How many people own mutual funds?How many Americans do not have a bank account?How big is the SPDR Gold Shares ETF?Are CDs a safe method to invest my cash?What types of goals should I consider before I begin to invest?What other local taxes are deductible?What does FINRA suggest I do after I have invested to work properly with my investment adviser?There is so much information online. How do I choose what to read?What are some other mistakes that investors make?Should I move out of my house when I am trying to sell it?What is the connection between prevailing interest rates and a bond's maturity?What affects the assessed value of a property?UNDERSTANDING FINANCIAL MARKETS Why were these machines called Stock Ticker Machines?Are there any online calculators that will allow me to calculate returns on potential real estate deals easily?DIFFERENCES BETWEEN TYPES OF MUTUAL FUNDSHow old is the New York Stock Exchange?Why is location so important?What is the "Upper Average"?What is a "derivative"?What is "professional liability insurance"?Why are real estate analysts cited by The Wall Street Journal worried for small college town rental property owners?What is the progression of risk, from low to high, among different classes of investments?What is an important consideration when I think about investing for my retirement?What types of insurance do I need if I operate a home-based business?Just how small is America's small business?What constitutes the Conference Board's Leading Economic Index?How else do small business owners fund their companies?THE BASICSHow many private equity deals in the information industry alone happened in 2013?Since it is difficult to analyze or even know the typical sales commissions we must pay on an insurance policy, how can I identify the sales commissions?What are the two principal ways to acquire a private company?What are some of the most important metrics that measure the health or performance of a company, and ultimately its stock price?How do I compute my return on investment?What is a "bull market"?What are the requirements to obtain a reverse mortgage?What are the different types of business structures?Why do many small business owners struggle with financial management of their business, or pay little or no attention to it?What is the success record of the FDIC?What future trend can we see in the near term about the cost for discount brokers?What may happen to the stock market if interest rates decline?What are some of the main reasons why investors include corporate bonds within their portfolio?What are some top books on children and financial literacy?How many small businesses exist in the United States?What is a "loss"?What is "saving"?Why can teaching children about investing be so challenging?What are some other strategies to assist us in saving money?How do I open a account?What types of corporations does the IRS recognize?What does the term "appraise out" mean?How do I find out if I have been delinquent in paying for my state taxes in previous years?AVOIDING SCAMSWhy are cash flow-based metrics important to analyze equities?What country is one of the largest buyers of gold?When I invest in a private company, on what type of financial information should I focus?What is "errors and omissions insurance"?Why should I read a mutual fund's prospectus?If I stay in my home, what should I do during a down market?What are a mutual fund's expenses?Why are index mutual funds or index ETFs preferred by many over buying individual stocks and actively managed mutual funds?What can I learn about my investment behavior, depending on my time horizon?How many small businesses exist in the United States?What is a "home equity line of credit" (HELOC)?What is a "risk/return trade-off?"What are some steps in using a budget?What two states have not yet adopted UTMA?How many people are employed in the investment company business?What is a "market index"?What does it mean to be "prequalified" for a loan?How can I as an investor avoid fraud and scams while I am engaged in investing?What are some important points to consider before investing in a mutual fund?What are two of the oldest mutual funds?As an investor or owner of a small business, why does proper management help me increase the return on my investment?What do experts at CNBC feel are benefits to art and antiques as investments?OTHER INVESTING OPPORTUNITIESWhat if I discover something about the house that makes it unacceptable to me?CREDIT CARD DEBTWhat are the two different categories of municipal securities in which I may invest?MUTUAL FUNDSWhat are the most basic elements to understand and evaluate the success of commercial real estate investments?What is "preferred stock"?What is the average percentage of a typical American's gross income that is used for mortgage and consumer debt payments each month?Can I pay too much for stocks?SMALL BUSINESS TAXESAt what rate are people retiring in the United States?What does my credit history have to do with my credit card interest rate?What is the "Dalian Commodity Exchange"?Must I pay taxes on earnings from my investments?What are some general factors that affect house prices?What are four reasons why long-term investing may be diminishing?What are the main reasons why people delay retirement?What is the median retirement savings balance for people ten years away from retirement?What is the minimum age for a child to open a bank account?MONEY MARKET FUNDS What percentage of America's entrepreneurs are "ethnic"?Why is location so important for rental investments?TREASURY BONDS AND TREASURY BILLSWhat percentage of Americans saw their portfolios decline during the period of economic decline 2008-2010?What is "renters' insurance" or "tenants' insurance"?Why has the college rental market been historically stable compared with other types of rentals?What is the Federal Deposit Insurance Corporation (FDIC)?Can I work anywhere in a work-study program?ONLINE BANKINGWhy is it important to be preapproved for a loan?What are some guidelines for creating a business, according to the IRS?What are four steps we can take to introduce investing concepts to children?Why is attaining great financial goals easier than we think?What is the order of priority of payment during a bankruptcy or liquidation of a company or corporate entity?What is a "mortgage"?What are some of the key organizations that generate influential economic research?Do brokers have any obligation to monitor the performance of investments they sell?What is "EBITDA"?Why do life stage funds prefer to use indexes?Do people in their twenties manage their 401 (k) portfolios the same way as people in their sixties?What is "investing"?Do I have to pay taxes on my 401 (k) investments?What are some differences between a unit investment trust and an open-ended fund?What is an "asset allocation strategy"?What are some top real estate websites I can use to analyze current and past listings on my own?What is one the biggest challenges of small business ownership?What is "wealth"?What is the effective tax rate for a small business?What does Warren Buffett think about teaching children about investing?What is a "futures price"?What are other considerations or requirements to obtain a home equity loan?On a macroeconomic level, how much building of college rental beds has recently occurred?What impact does small business have on the U.S. economy?When computing potential returns on investments in real estate, with what assumptions should I be concerned?Why are ETFs attractive to some investors?How many of them are actually certified?Why else is cash important to my portfolio as an individual investor?Where do corporate bonds trade?What percentage of world gold sales comes by way of investments?What is a "reverse mortgage"?What should I look for in deciding which homeowners' insurance company to use?PRICE/EARNINGS RATIOS AND OTHER CALCULATIONSHow will the use of benchmarks change how individual investors perceive their financial goals and objectives in the future?What is a "short-term capital gain"?Which companies have been recently removed from the Index?What are some other reasons why a small business might fail?Why are neutral colors so important when selling a house?According to the SEC, what types of questions should I ask when trying to decide which broker to choose?What information does a fundamental investor often review?What is "mortality risk"?Why should I buy a house?What is a "Federal Perkins Loan"?How might I participate in commodity trading without having to trade commodities directly?How successfully do small businesses create jobs?What does the CFTC recommend I do to limit my exposure to fraud?Do I have to pay taxes on my 401 (k) account?How do I create an S corporation?What does FINRA recommend we do to avoid scams and fraud related to our investments?What are some other reasons to use credit unions?Why use a human broker instead of an online broker?What steps can I take to minimize my credit card and other debts?What are some disadvantages to investing in an index fund?Why is budgeting so important to create wealth and financial success?How do I compute a company's EBIT?What if your potential home is in an area with only one major industry or employer?Why else should I have a portion of my portfolio in cash?What is the minimum amount I need to open a credit union account?INSURING YOUR HOME What are "growth funds"?Who is investing in mutual funds?Which states have unusual tax laws regarding gains on investments?Why should I invest my money?How might the CPI be biased?What is a principal difference between a unit investment trust and a mutual fund?Where do the highest and lowest number of high net worth individuals live?What is a partnership?What is the typical organization of a fund?What percentage of municipal bondholders are individual people and mutual fund investors?What is the vacancy rate for rental housing in the United States?Should I ask my friends for referrals when identifying a potential planner?What are "government bonds"?What types of taxes can cities impose?What are the first steps to eliminate credit card debt?THE FUTUREWhat is the biggest consideration when it comes to saving for retirement?How can I protect myself from fraud when I am considering investing in a mutual fund?What is "EBIT"?How does the IRS treat the interest I receive on a corporate bond?What are stock or share "buybacks"?Why does investing require a specific mindset, so that I may be prepared for the long road ahead of me?How do I determine the market price of a house?What is "private equity"?How will the use of software help individual investors to analyze their portfolios?How much does my ability to delay present gratification in favor of future gratification play in personal financial success?What is a "Chartered Financial Consultant" (ChFC)?What are some limitations to using ROI models in order to understand my returns on real estate investments?Why might I want to own a second home?Why is dollar cost averaging a beneficial strategy for investing?What is a "cyclical investment"?Why do advisers like to use laddering techniques?What types of mortgages are available to consumers for a home purchase?What is an "unsecured bond"?Does the IRS give special tax exemptions to people who use the savings bonds to fund educational endeavors?What else can I learn from comps?What is "correlation"?Is there a difference in how long- and short-term gains are treated on my taxes?Who are these institutional investors?What are the best credit cards?How much did the Dow fall at the onset of the Great Depression?What is a "leveraged buyout"?Why is longevity risk sometimes considered a "silent" risk?How is simplification an important aspect of investing in no-load mutual funds?What are some of my main concerns as an individual investor when I think about managing my retirement portfolio?How does the SBA assist small business owners?What about buying in a down market?What percentage of Americans saw their house equity decline from 2006 to 2009?Why is prepaying tuition such a great deal?How do I buy individual stocks?Why is risk a standard deviation?According to the ICI, the fees mutual funds charge their investors has fallen by half since 1990. This is due in part to the popularity of passively managed funds, as well as cost-cutting activities of actively managed funds.What is the problem with speculating?What mindset helps me become financially successful?What are some limitations of life stage investing?INVESTING VERSUS SPECULATION What is the final category of funds?What important disclaimer must every investor in a small, privately held business consider before making an initial investment?What is another factor leading to more demand for rental housing?What is "insider trading"?What is another key behavior that will help me in my retirement years?What are some typical types of real estate investments?What else is included in a disclosure statement?What types of 529 Plans are available?What are the minimum investment requirements if I am interested in investing in U.S.Treasury securities?Why are there so many questions on the FAFSA application?Why else should I use an online bank?BUSINESS INSURANCE What are some additional considerations?What are some basic assumptions employed when using technical analysis?Do I need to take a medical exam to get life insurance?If home mortgage debt rises, does that signal a turnaround in the real estate market?What is a PLUS Loan for Parents?Are money market funds a safe way to invest cash?What are some strategies to reduce my tax burden when I retire?What about bond interest rates?What is the future trend for socially responsible investing?What are some important variables I may use when comparing the quality of different bond investments?How much money flowed out of U.S.-listed bond mutual funds and bond exchange-traded funds in 2013?What percentage of corporate-sponsored 401(k) plans include REITs as an investment option?What is "diversification"?How many households in America benefit from FINRA's services?How do I join a credit union?What is a "blue chip stock"?How many REITs exist?What are some other activities parents can do with their young children in order to teach them the value of money and investing concepts?What factors should I consider when thinking about affordability?How many people risk home foreclosure?Why is it said that the art market is not transparent?What are the two major stock exchanges?If I can't use ROI analysis to decide whether or not to engage in a social media campaign, how can I analyze the effectiveness of the campaign?How do I find out if a company is publicly traded?What about the success of high-performing stocks?What are the most important rules to follow when buying a house?How much may I contribute to a 529 Plan?What is another form of sustainable or socially responsible investing?What is an alternative strategy to using or obtaining a reverse mortgage?How much of an increase in the average price of stocks must occur in order to declare a bull market?What are "dividends"?What is "behavioral economics"?What are some notable ETFs?Are U.S. government bonds safe?Why invest in gold?How has SRI generally changed other areas of investing?What is a "ticker symbol"?When I consider investing in mutual funds, why are expenses so important?At what age are children capable of understanding financial concepts such as the value and purpose of money?Should I ask if the planner is benefiting in other ways by directing me into a certain investment?What is the relationship between the interest rate and the stock market?Which stock market opens first?What is a fixed-rate mortgage?What types of investment or financial products exist?Why are fees and costs of mutual funds so important in deciding which fund to choose?What about the analysis of the stock itself?What are some other important considerations when evaluating closed-ended funds?How much money does the FDIC protect?Why do some people invest strictly in cash?Is my money available when I want it?Can a fund claim to be "no load," and yet still charge a load to investors?What about the success of high-performing mutual funds?What are "capital gains"?What if my child is not too interested in learning about investing?How many mutual funds exist?Are there mutual funds that allow investors to diversify their portfolios and participate in the world of art investing?How is a mutual fund priced?What else can affect the price of gold?How do mutual funds justify high fees and expenses?What percentage of employees actively trade or manage their retirement funds?Why are some mutual funds more tax efficient than others?THE BASICS Of the thousands of money market funds, how many have ever fallen below a net asset value of .00?How else can I teach my child about money?What are "municipal bonds"?What other types of special orders may help investors when executing trades?How can I protect myself from fraud?So if I have a great credit rating, I might get a card with better terms?Why should I invest regularly?How does the IRS define an investor?What is "marking to market"?What kinds of information can I find by using the U.S. Securities and Exchange Commission (SEC) website?What does the term "stockout” mean, when I trade in commodities?What is a "SARSEP IRA"?RENTAL PROPERTIES Can I give money to my children without incurring any tax liability?TAXESWhat is a major factor in deciding how to invest as I near retirement?What do average investors do that decreases their returns?What is a "debt consolidator"?INVESTING IN ARTWhat are some decisions an individual investor must make before investing in a particular stock?What are six ways experts at The Wall Street Journal feel will help children begin to understand how to invest?What is the first step to accumulate wealth and savings?What are some of the most important rules regarding obtaining distributions from my 401 (k) plan?Why is the acquisition of a company a highly risky form of investing?What are "lagging indicators"?Why are returns I generate from investments in cash relatively less than those in other investments, such as stocks or bonds?What types of educational grants are available?What if the investor would like to use an insurance policy as a tool to enable passing on a large (greater than million) estate?What is an "open-ended fund"?If I already have a well-funded IRA or 401(k) retirement plan into which I automatically invest each month, do I really need life insurance?What is "fundamental analysis"?What is a "market order"?Who regulates money market funds?How do I purchase a company's shares directly from the company, rather than using a broker?What are some examples of risks?Should I include gold as part of my investment portfolio in the form of mutual funds?What is a "turnover rate"?What is a "Federal Supplemental Educational Opportunity Grant" (FSEOG)?How important is the NYSE to global equities trading?What are some strategies I can employ that may help me reach my post-retirement income goals?What federal filings must corporations file?May I deduct capital losses on the sale of my personal property?What percentage of buyers ultimately pay cash to purchase an existing house?ROIs AND SMALL BUSINESSESWhat are some typical allocations of investment portfolios as we near retirement?After I decide my motivations for making the investment, what is the next logical step in deciding to invest in a small, privately held company?What are some typical family budget categories?What percentage of Americans have no savings at all?How does increasing my down payment help protect me from going "underwater"?What is a "financial future"?In what kind of investments do hedge funds invest?How do I compute a company's free cash flow?What is the difference between a financial planner and an investment adviser?What is discussed in a financial planner's meeting?Must I pay taxes on savings bonds?What is a "long position"?THE INVESTOR MINDSETIf I have a balance of only ,000 on my credit card, with a 15% interest rate, and I only make the minimum payment of each month, how long will it take me to pay off the balance, and how much will it really cost me in the end?What are typical cash inflows in a commercial real estate investment?What is the downside of using a home equity loan?What is a "prospectus"?What kinds of information can help me understand and learn more about investing?What are some steps to establishing the right goals for investing?What is a "sales tax"?What is "vesting"?When must the homeowner pay back a reverse mortgage?Where else might I invest in precious metals?How much cheaper are foreclosed houses than currently occupied houses on the market?What is "full employment"?What are some common myths or beliefs that limit what I may earn as an investor?With what investments does art correlate?What is one limitation of the trend toward the emergence of similar individual investors and investment products located in other parts of the world?In what ways are participant-directed 401 (k) plans more choice-centered?When did the first credit union appear?What is another general rule about location?How long does a bull market last?What are "comparables"?What types of expenses are typically included in an expense ratio calculation?Why do some experts believe in investing in indexes instead of investing in individual stocks?What is "general liability insurance"?What organizations provide accreditation to stockbrokers?What does the term "underwater on a mortgage" mean?Why do commercial real estate deals often fail?What is a "multiple"?Are there any other factors to consider when investing in a company?What are the requirements to create an S corporation?What is one important consideration when I am thinking of investments at different points in my life?What is the first step in teaching my children about money?How does homeowners' insurance work?How does owning a house improve my net worth more than renting?Are investment advisers or financial planners required to have credentials or certifications?What does the expression "priced to sell" mean?SETTING YOUR INVESTING GOALSWhy is ICE so important to the investing community around the world?What is a "cash cushion"?What countries are having major debt problems, making investments there relatively riskier?How much has the cost of a higher education increased?How is investing in cash different from other forms of investing?What is "permanent life insurance"?Is a bond like an IOU?What is a "tax-cost ratio"?What are the two most important methods to analyze stocks?Why are money market funds attractive to investors?What is "disability insurance"?What are some other findings from the Dough Main study?What is the most important consideration before deciding to invest?
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